Overdraft Privilege Fee$35Above the typical range ($25–$33 nationally)
$5 above the national median$5 above the Virginia median
per item · Source
Returned Item Fee$35Above the typical range ($25–$32 nationally)
$5 above the national median$5 above the Virginia median
per item · Source

ATM & CardVerified

ATM Transactions$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national medianAt the Virginia median
per transaction · Source

Wire TransfersVerified

Outgoing Wire Transfers$15Below the typical range ($20–$25 nationally)
$10 below the national median$8.75 below the Virginia median
per item · Source
Incoming Wires$5Within the typical range ($5–$15 nationally)
$5 below the national medianAt the Virginia median
per item · Source
International Wires$40Within the typical range ($40–$50 nationally)
$10 below the national median$7.50 below the Virginia median
per item · Source

Check ServicesVerified

Cashier’s Checks$4Within the typical range ($3–$6 nationally)
$1 below the national median$1 below the Virginia median
per item · Source
Certified Check Fee$8Above the typical range ($3–$6 nationally)
$3 above the national median$3 above the Virginia median
per item · Source
Money Orders$2.50Within the typical range ($1.50–$3 nationally)
$0.50 above the national medianAt the Virginia median
per item · Source
Stop Payment Requests$35Above the typical range ($20–$30 nationally)
$7.50 above the national median$5 above the Virginia median
per item · Source
Check Cashing Fee$5Within the typical range ($5–$10 nationally)
At the national medianAt the Virginia median
Source
Share Draft (Check) Copies$4Within the typical range ($2–$5 nationally)
$1 above the national medianAt the Virginia median
per item · Source

Cash & DepositVerified

VISA Cash Advance Fee$5Within the typical range ($2–$10 nationally)
At the national median$3 above the Virginia median
per item · Source

Account ServicesVerified

Notary Services$5Within the typical range ($0–$5 nationally)
$2.50 above the national median$2.50 above the Virginia median
Source
Garnishment/Levy Fee$50Within the typical range ($30–$88.13 nationally)
At the national median$25 below the Virginia median
per item · Source

Lending FeesVerified

Loan Late Payment Fee$30Above the typical range ($10–$25 nationally)
$10 above the national median$5 above the Virginia median
per item · Source

Retirement & IRAVerified

IRA Transfer Fee$25Within the typical range ($25–$35 nationally)
At the national medianAt the Virginia median
Knox extract.rules v17 categorized a line held for review from Rosetta artifact #2547. canonical_hint=ira_termination; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="IRA Transfer Fee $25.00" · Source

Other FeesVerified

Photocopies$2Within the typical range ($2–$5 nationally)
$1 below the national median$2.50 below the Virginia median
per item · Source
Statement Copies$2.50Within the typical range ($2–$5 nationally)
$0.50 below the national median$2 below the Virginia median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Fresh Start Checking Monthly service charge	$5Within the typical range ($4–$10 nationally)	$1 below the national median$1.74 below the Virginia median	per month	—	Source
Early Account Closure Fee	$9Below the typical range ($10–$25 nationally)	$8.50 below the national median$1 below the Virginia median	—	—	Source
Inactive Account	$5Within the typical range ($5–$10 nationally)	At the national median$5 below the Virginia median	per month	—	Source
Research/Reconciliation Fee	$25Within the typical range ($12–$25 nationally)	$7.50 above the national median$10 above the Virginia median	—	—	Source
Overdraft & NSFVerified
Overdraft Privilege Fee	$35Above the typical range ($25–$33 nationally)	$5 above the national median$5 above the Virginia median	per item	—	Source
Returned Item Fee	$35
ATM & CardVerified
ATM Transactions	$1Within the typical range ($1–$2.25 nationally)	$0.50 below the national medianAt the Virginia median	per transaction	—	Source
Wire TransfersVerified
Outgoing Wire Transfers	$15Below the typical range ($20–$25 nationally)	$10 below the national median$8.75 below the Virginia median	per item	—	Source
Incoming Wires	$5
Check ServicesVerified
Cashier’s Checks	$4Within the typical range ($3–$6 nationally)	$1 below the national median$1 below the Virginia median	per item	—	Source
Certified Check Fee	$8
Cash & DepositVerified
VISA Cash Advance Fee	$5Within the typical range ($2–$10 nationally)	At the national median$3 above the Virginia median	per item	—	Source
Account ServicesVerified
Notary Services	$5Within the typical range ($0–$5 nationally)	$2.50 above the national median$2.50 above the Virginia median	—	—	Source
Garnishment/Levy Fee	$50
Lending FeesVerified
Loan Late Payment Fee	$30Above the typical range ($10–$25 nationally)	$10 above the national median$5 above the Virginia median	per item	—	Source
Retirement & IRAVerified
IRA Transfer Fee	$25Within the typical range ($25–$35 nationally)	At the national medianAt the Virginia median	—	Knox extract.rules v17 categorized a line held for review from Rosetta artifact #2547. canonical_hint=ira_termination; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="IRA Transfer Fee $25.00"	Source
Other FeesVerified
Photocopies	$2Within the typical range ($2–$5 nationally)	$1 below the national median$2.50 below the Virginia median	per item	—	Source
Statement Copies	$2.50

Against Virginia credit unions

Overdraft
$35.00
Of 30 others that publish it, 23 lower, 7 the same and 0 higher.
Monthly maintenance
$5.00
Of 14 others that publish it, 6 lower and 8 higher.

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$35

Overdraft fee: $35

17% above the national median overdraft fee

23 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$197.8M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$197.8M

Total deposits

$171.2M

Service charge income (year to date)

$566K

Fee income ratio

9.4%

Return on assets

1.38%

Financial profile · Pro

Performance from regulator filings

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